The Andover Companies
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
The Andover Companies is a Northeast-focused regional carrier writing through independent agents only. Current official materials position the carrier as a property-and-liability market for homeowners, residential/investment property owners, and small commercial/property-oriented business risks. For Home, published materials emphasize a ‘Superior Home Insurance Protection Plan’ with broad property coverage positioning for higher-quality owner-occupied homes and lifestyle-focused accounts, plus optional enhancements such as home cyber, personal umbrella, water backup, scheduled property, and ordinance or law. Geographic note: the carrier explicitly describes itself as one of the largest mutual insurance groups in the Northeast, and its agent footprint is concentrated across New England and nearby Northeastern states; current company reporting also notes coastal pricing/surcharges and higher-value-home pricing refinements, indicating tighter/priced-for-exposure treatment on coastal and CAT-exposed home business. For Commercial Umbrella / Excess Liability, current public materials confirm an active excess liability product for businesses, with 2024 underwriting updates noting a modernized form and limits now up to $5,000,000. Preferred commercial profile appears to be small-to-midsize property-centric and Main Street business submitted alongside core package/liability business, especially BOP, property, GL, condo association, and related ancillary coverages. Submission/broker notes: business is available exclusively through independent insurance agents; insureds are directed to work through local agents rather than direct submission. Public-facing materials do not provide a detailed class-by-class appetite grid, prohibited classes list, or formal submission checklist, so no verified official declination list could be confirmed from carrier sources. Still, current published guidance suggests operational caution on coastal exposures, higher-value homes requiring accurate insurance-to-value, and commercial liability placements needing adequate underlying coverage. Broker/producers should expect Andover to emphasize agency partnership, inspection support/management, and risk-appropriate pricing rather than broad open appetite language. Because no official standalone appetite guide or producer submission bulletin was verified, use the verified product and company pages as the current published baseline and confirm class-specific eligibility, target states, underlying limits, and any coastal or CAT restrictions with the assigned underwriter or field representative before quoting.